Solutions
	Home Price Analyzer (HPA) The Home Price Analyzer (HPA) is a Internet-based system that provides a comprehensive statistical home valuation tool designed to give you: Single property valuation: A reasonable alternative to Broker Price Opinions (BPOs) at a fraction of the cost and confidence scores that greatly enhance the accuracy of the values returned. Multiple property valuations: Provides a powerful batch tool for multiple evaluations. Current ownership data: Allows access to all sale and lien data (with REALM option). Wide geographic coverage: Historical data within 7,200 zip codes and 1,000 counties.
	Home Price Indexes First American RES constructs Home Price Indexes from single family residential repeat sales. Repeat sales with less than one year between sale dates are not used and five percent of the data with the highest monthly increases or decreases are also not used.
	Marketing List Services First American RES produces targeted mailing lists (MortgageLists.com) to reach homeowners, in particular second mortgage/home equity prospects or refinancing homeowners. Included below is detailed information on the service, descriptions of the databases, costs to produce such a list and sample homeowner records. In addition, there is information on appending mortgage information to proprietary files like credit cards, auto loans, checking accounts, savings accounts and other information where homeowner identification is needed. First American RES maintains the following residential databases: First Mortgage File: This file contains first mortgage/refinance information on homeowners.  From this database, selections can be made on such selects as mortgage amount, origination date, lender name, lender type, rate type, loan type, rate, and lendable equity. This database is primarily used to identify homeowners with equity in their property who are candidates for home equity loans and refinancing. It is also used to target certain lenders such as finance companies or homeowners with specific LTV ratios. Second Mortgage File: This file contains information on homeowners who have existing second mortgages or equity lines of credit. This database covers 30 states or 25 million properties and dates back to 1988. From this database, selections can be made on mortgage amount, origination date, rate type, loan type and lender name. This data is primarily used to identify homeowners with existing seconds who are prospects for refinancing, targeting second mortgage lenders. This file also contains refinance information which is included on the record layout.
	Non-Agency Portfolio Scoring System (NAPSS) A portfolio analysis and management tool for both non-agency securitized portfolios and whole loan portfolios.